Get discounts on pet insurance for your dog or cat to cover costly pet-related medical bills. Health insurance for dogs and cats isn’t new. However, with the rising cost of veterinary care, these insurance policies are now becoming far more popular than they were in the past. But before you decide on a plan, discover what Employee And Member Discounts have found out for you.

Your dog scavenges in the woods and accidentally swallows a razor blade. Your cat develops bladder stones. Both conditions are life-threatening. Besides that, they’re expensive to treat. Pet insurance enables you to protect yourself against the financial hit.

However, it makes sense to compare pet insurance policies before signing up for one. For example, health insurance for dog or cat owners might require them to pay for the care first and then submit bills for reimbursement. Sure, you save money; however, you do have the expense on the front end.

Sometimes, pet insurance for puppies and kittens is a separate policy. It might cover animals under a specific age. Therefore, there may be several procedures that the policy won’t cover because another plan will do so as the pet gets older. Know ahead of time if that’s the case in your situation.

Comparing apples to apples isn’t as easy as it sounds when shopping for pet insurance. We’ve already discussed the possible exclusion of care for young animals due to the existence of kitten or puppy insurance.

That said, when you compare pet insurance dogs or cats owners will buy, look at the details. Is there a claims cap? If you have an accident-prone cat, the insurer may cut off funding after an absolute financial cap is reached for specific diagnoses. Is there a limit on lifetime benefits? This pertains to an overall cap of service payments. If your pet reaches an old age, you may lose coverage when your pet needs it the most.

Many policies also offer varying deductibles. The higher the deductible, the less you spend on your plan. Of course, it might require you to lay out the first $1,000 without any reimbursement. This deductible applies to each incident. It might make more sense to opt for a lower deductible and pay a little more in premiums.

By the way, some veterinarians offer their own policies. In these cases, the plan may pay upfront. However, that’s not always the case. Occasionally, the veterinary office simply becomes a reseller that then submits claims to a third party. Ask questions before signing up for coverage!

There are senior pet as well as kitten or puppy insurance products. This type of cat or dog insurance applies to special seasons in the animals’ lives. Depending on the verbiage in your policy, you may have to buy a different insurance product when the animal reaches a specific age.

Know ahead of time if pet insurance for puppies automatically transfers into health insurance for dogs. In the alternative, you may need to make the switch at a specific age. Otherwise, the coverage that you pay for is useless.

If it sounds like cat or dog insurance is not as easy to buy as it looks on paper, you’re right. However, Employee And Member Discounts specialists have read through the paperwork for various health insurance for dog and cat policies. In the process, they put together information that allows you to compare pet insurance dogs and cats owners need more effectively.

Find out today what options you have for discounts and promotional savings before signing up for health insurance for dogs or cats.